Berkshire Hathaway Specialty Insurance vs 
ERGO NEXT Insurance: How Do They Compare for Professional Liability (E&O) Insurance?
What Is Berkshire Hathaway Specialty Insurance?
BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance page
What Is ERGO NEXT Insurance?
ERGO NEXT fits small businesses that want to quote, buy and manage general liability, workers' comp or a BOP online; if you need commercial auto, bonds or complex specialty cover, you'll be sent to partners or should use a broker. Staff-handled policy changes can take 7–10 business days. 8,9,10
Read the ERGO NEXT Insurance profile
Read the ERGO NEXT Insurance Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 12,13,14,15
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance Professional Liability (E&O) Insurance?
Underwriting conversation versus online purchase
Berkshire Hathaway Specialty Insurance’s materials identify target professions and separate product types in its Professional First portfolio. ERGO NEXT describes a roughly 10-minute online quote, coverage customization and online purchase with an instantly available certificate. That gives a small business a more explicitly self-directed purchase route at ERGO NEXT, while BHSI’s materials focus on class-specific professional products. A certificate confirms insurance details; it does not replace checking the policy wording for the coverage your contracts require. 6 11
Workforce and form questions
ERGO NEXT says employees are covered by default, subcontractors typically are not, and prior-acts coverage is available in select cases. BHSI’s professional claims name target classes and a specialized combined form for architects, engineers and consultants, but the claims reviewed do not describe employee or subcontractor treatment. If either workforce status or past work is material, compare the endorsements and named-insured language in the actual offers. 11 7
What Should You Confirm in Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance Professional Liability (E&O) Insurance Quotes?
Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Berkshire Hathaway Specialty Insurance Review Score
Review Score
No reviews found
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsERGO NEXT Insurance Review Score
Review Score
5 rated sources
NEXT’s favorable ratings come with a warning: NerdWallet reports more commercial liability complaints than expected. Check complaint handling and support before relying on its headline scores.[1][4][6][7][10]
Read ERGO NEXT Insurance reviewsBerkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance Professional Liability (E&O) Compared
Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Professional First Professional Liability portfolio | ERGO NEXT Professional Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | ERGO NEXT sells professional liability, which it also calls errors and omissions insurance, as a standalone online policy. 11Company-reported. Professional liability product page as read 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | The professional liability page does not name an issuing insurer for this line; the carrier for a specific policy is confirmed on the quote and declarations. 11Not found in reviewed sources. Checked the professional liability product page on 2026-09-23. |
| Who It’s For | The overview names staffing firms, management consultants, marketing firms and real-estate firms as targeted customers for Miscellaneous Professional Liability; it separately lists law-firm size bands for Lawyers Professional Liability. 6Company-reported. U.S. Professional First target statements; class-specific eligibility only. | ERGO NEXT targets this line at offices and professionals, construction, food and beverage, and retail and e-commerce businesses, naming business consultants, accountants, financial professionals, engineers and architects as example professions. 11Company-reported. Product page industry and profession list; not a complete underwriting appetite by state. |
| Coverage Features | BHSI’s U.S. Professional First overview identifies Lawyers Professional Liability and Miscellaneous Professional Liability alongside Technology E&O and Media Liability. 6,5Company-reported. Portfolio catalogue statement; the specific legal/professional class and form must be selected rather than treating the offerings as one policy. For architects, engineers and consultants, BHSI describes a professional-liability form that also addresses pollution, media, technology and cyber/network-security exposures. 7Company-reported. This is a specialized design-industry combined form, not generic E&O wording or proof that all risks receive each component. | ERGO NEXT says the policy addresses business errors that cost clients money, claims of professional negligence, misrepresentation causing financial harm, and legal defense costs. 11Company-reported. Product page coverage description; the issued policy and its exclusions control an actual claim. ERGO NEXT lists the policy as excluding intentional wrongdoing and illegal activity, property damage or bodily injury (covered by general liability instead), false advertising, employee work injuries and vehicle accidents. 11Company-reported. Product page exclusions summary. |
| Limits and Retentions | Confirm in your quote. | Published coverage limits or deductibles were not found on the professional liability product page; only illustrative starting pricing is shown, and the page notes an up to 10% discount for bundling with an existing ERGO NEXT policy. 11Not publicly disclosed. Checked the professional liability product page on 2026-09-23. |
| Risk Services | The Professional First overview describes its in-house claims handling group as experienced in complex, high-value claims and integrated with underwriting. 6Company-reported. Company-reported portfolio-level claim-service description, not independently measured claims performance. | ERGO NEXT says employees are covered under the policy by default, subcontractors typically are not, prior-acts coverage is available in select cases, and additional-insured designations are permitted. 11Company-reported. Product page policy-structure notes. |
| How to Apply | Confirm in your quote. | ERGO NEXT describes a roughly 10-minute online quote, coverage customization, and a fully online purchase with an instantly available certificate of insurance. 11Company-reported. Product page quote-flow description. |
Related Pages for Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance
Professional Liability (E&O) Pages for Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance
Other Professional Liability (E&O) Insurance Provider Comparisons
Sources for Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance
Sources About Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- Professional First Professional Liability. Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28.
- Professional First Professional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28.
- Professional First Architects, Engineers and Consultants Professional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28.
Sources About ERGO NEXT Insurance
- Business Insurance for Small Businesses. ERGO NEXT Insurance; Primary coverage selector; intended customers; product descriptions; online quote, purchase, documents, certificate and claims sections. Accessed 2026-09-15.
- Commercial Auto Liability Insurance. ERGO NEXT Insurance; Commercial Auto hero; Progressive partner disclosure and external quote link; appointed-agent availability limitation. Accessed 2026-09-16.
- My Account FAQs. ERGO NEXT Insurance; Electronic documents; policy and payment changes; cancellation; certificates and additional insureds. Accessed 2026-09-15.
- Professional Liability Insurance. ERGO NEXT Insurance; What is Professional Liability insurance? (also called errors & omissions insurance); target industries and professions; exclusions; three-step quote process; bundling discount; claims filing. Accessed 2026-09-23.
Sources for the Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
